The audit is free.
The bodyguard is $15.

The whole audit, forever: connect your banks and cards via Plaid (or upload CSVs), automatic subscription detection with cadence and price-creep signals, the audit deck with one-tap cancel/review/monitor decisions, and every cancellation guide. Basic is not a trial — it's the product's core, free.

Pro is Sky working for you after the audit: cancelled subscriptions are guarded against sneaky re-charges, refunds you're owed are tracked, annual renewals trigger reminders before they fire, and price creep raises an alert instead of waiting for you to notice. Pro also unlocks the household — invite your partner, see whose card each charge is on, and @mention each other on any merchant.

Insider is for people who want the whole cockpit early. Every feature we ship starts in beta behind Insider — right now that's Sky AI chat, income watch, cash-flow reporting, budget & expenses, and monthly smart reports, with a reimbursement tracker next in the pipeline. Insiders get them first and shape them with feedback; polished features graduate down to Pro over time.

All plans — including free — connect directly to your banks and credit cards via Plaid, the same secure connection used by Venmo and Robinhood. Prefer not to link? Upload CSV exports from any bank instead.

Yes — from account settings, in two clicks, exactly the way we wish every subscription worked. You keep access until the end of your billing period. We're the subscription killer; being hard to cancel would be a firing offense.

Rocket Money's free tier shows your subscriptions, but bill negotiation is a paid extra that takes 35–60% of your first-year savings, and its cancel concierge is a separate paid-tier feature. Skycopia's full audit — detection, cancel playbooks, and re-charge protection — is free forever, and it never takes a cut of what you save. See the full Rocket Money comparison for a feature-by-feature breakdown.

Intuit shut Mint down in early 2024 and redirected users to Credit Karma, which dropped Mint's budgeting and dedicated subscription tracking. Skycopia's free audit picks up exactly that gap — bank-detected recurring charges, cancel playbooks, and re-charge protection. See the full Mint comparison for a feature-by-feature breakdown.

YNAB is a well-regarded zero-based envelope budgeting tool at $109/yr, with no free tier — but it doesn't do anything with your subscriptions beyond syncing the transactions. Skycopia's free audit finds every recurring charge, hands you the exact cancel steps, and guards against re-charges after you cancel. See the full YNAB comparison for a feature-by-feature breakdown.

Monarch is a paid ($99.99+/yr) all-in-one budgeting and net-worth app that flags recurring charges but stops there — no cancellation steps, no watch-and-alert if a cancelled service starts billing again. Skycopia's free audit is built specifically to close that gap. See the full Monarch comparison for a feature-by-feature breakdown.

Copilot Money is a paid ($95/yr) AI-driven budgeting app for iPhone, iPad, Mac, and web only — no Android. Skycopia is free, works on any device with a browser, and finds every recurring charge with cancel steps and re-charge protection Copilot doesn't offer. See the full Copilot comparison for a feature-by-feature breakdown.

Skycopia never sees or stores your bank credentials — bank connections go through Plaid's read-only OAuth flow, the same connection used by apps like Venmo and Robinhood. Skycopia can see transactions to analyze them, but it can never move money, make charges, or change anything at your bank. All data is encrypted in transit and at rest, with row-level security so only your household can access your records. Your transactions are never used to train AI, and there are no advertising or credit-offer partners looking at your data.